Personal Finance

Personal Finance

Martin Lewis: A matter of life insurance and death

All parents want to see their children grow up and flourish. The thought of not being there, and the impact that would have on them, is almost too unpleasant to bear.

Opinion
George Osborne sold the Lifetime Isa as a shiny alternative to a pension when he unveiled the details in his 2016 Budget ' but the reality has proved somewhat different. Picture: Getty

Gareth Shaw: Is the Lifetime Isa dead in the water?

In his final Budget as Chancellor in 2016 – before he reinvented his career as a crusading newspaper editor – George Osborne announced, with his usual theatrical pomp, that the Government was creating a new savings account – the Lifetime Isa – to empower the under-40s who, he said, “haven’t had… a good deal from the pension system.”

Opinion

Report proposes everyone in UK should be given £10,000

A new report has suggested that the government should give £10,000 to every citizen under 55.

News 40
Repay your credit card in full in a month, then with almost every UK card you don't pay any interest on your purchases. Yet fail to repay just 1p, and you pay interest on the whole amount for the month. Picture: John Devlin

Martin Lewis: Time you learned to play your cards right

I never expected to have a catchphrase. Yet if I say to a crowd “pay off your cards…” they always shout back “ …IN FULL”. And knowing the “in full” rule, well, er, in full is powerful. As it means if you play your (credit) cards right, they stop being debt cards, and instead turn into the perfect way to pay, with powerful perks at no cost.

Opinion
Facebook has banned all adverts for cryptocurrencies such as BItcoin. Picture: Getty

Gareth Shaw: Social media is the next scam battleground

Earlier this week, the UK’s financial watchdog, the Financial Conduct Authority (FCA), issued a stark warning about the dangers of investment scams being promoted across Facebook, Twitter and Instagram.

Opinion 1
Before you even think of packing, make sure you've checked everything else or your holiday may not happen

Martin Lewis: Don’t forget the essential holiday ‘extras’

Your passport, EHIC, insurance, car hire are not afterthoughts so attend to them when you book, writes Martin Lewis

Opinion
If you have to give up work to care for someone in need, make sure you apply for Carer's Credit. Picture: Getty

Gareth Shaw: Get credit where it’s due for carers

The UK’s state pension is one of the most treasured benefits out there. It may not be enough to provide you with a comfortable retirement on its own, but it is an important foundation for your pension income, guaranteed to rise every year and not something you can lose in falling investment markets or see eaten up in high charges, as you could with a private pension.

Opinion
Millenials are not embracing saving.

Jim Duffy: Implications of millennials losing trust in saving

We like to feel good about ­ourselves. We like to know that our investments and assets are rising in value. From pension funds to equities, from ISAs to our homes, we rest easy in the knowledge that we have invested in assets that will appreciate and provide a pot of cash for our old age.

Personal Finance 3
A new year financial makeover will be good for your wallet, peace of mind and future as you make sensible saving and investment choices

Vicky Shaw: Changing financial habits can pay off

As 2018 approaches, and many of us are starting to think about New Year resolutions, this is a great time to sort out any money matters.

Opinion
Parents and grandparents may feel money is the best present for children, either to spend or to stash away for some future use, so being up to speed on the most generous bank and building society accounts is a must to make the most of Santa's generosity. PICTURE: GETTY IMAGES/ISTOCKPHOTO

Martin Lewis: Where to invest the kids’ hard cash presents

Slade are on the radio, there’s tinsel everywhere and supermarket shelves are stacked high with mince pies. Christmas is a-coming. However it isn’t all about piling up the presents; many parents and especially grandparents give children cold hard cash. So where do you put it…

Opinion
Many actively choose to rent, recognising that the flexibility offered through being a tenant is better for their circumstances.

Rental revolution brings good news for Scotland

Comment: Peter McDermid on the new regulations for landlords and tenants

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According to Donaldson, the Law Society of Scotland claims that 'conveyancing transactions are a hot target for money launderers because it can happen quite fast and can often hide behind complex money transactions'.

Edinburgh firms helps fight against money-laundering

Cutting-edge software is helping to deliver robust checks against crime

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Scots are being warned about scam calls. Picture: Stock

Scam alert: Police Scotland warning after fraudsters steal £140,000

Police have warned the public to vigilant against telephone fraudsters after a 74-year-old woman was scammed out of £140,000.

News
You could be due a reduction ' and even a refund ' on your council tax if you or a loved one qualify for the Severely Mentally Impaired discount

Martin Lewis: Don’t miss out on a council tax discount

Up to 100,000 of the most vulnerable people in society are missing out on a council tax discount worth £100s or £1,000s – as little is known about it, and some councils are giving out misinformation. It’s time to change that.

Personal Finance
Philip Hammond produced a steady crescendo of property initiatives on Budget day, building up to the big stamp duty reveal. Picture: Getty

Gareth Shaw: Chancellor thinks outside the box in Budget

Budget day. For any personal finance journalist, it is the most exciting day on the financial calendar. There are oodles to analyse, translate and communicate to readers, videos to record, tools, graphics and calculators to create with bundles of new data for the coming tax year to play with.

Opinion
UK consumers will spend an average of �300 on Black Friday, following the US retail trend. Picture: Brian Lawless/PA Wire

Top tips for shoppers ahead of Black Friday

Black Friday began in Britain around ten years ago, when internet giant Amazon brought the phenomenon from the United States.

News
One part of the road to cheaper energy bills is to use a small amount of your time to compare prices and find a provider that suits your needs

Martin Lewis: Truth to tell, we should all switch sometimes

The clocks have gone back, the temperature is plummeting and leaves are losing their green. Which, to channel Game of Thrones, can only mean one thing – WINTER IS COMING. And that means energy bills will be bursting.

Opinion

What the interest rates rise means for you

The rise in interest rates is a new experience for the estimated 2.6 million home-owners who have only ever seen static or falling rates after getting on the property ladder in the past decade.

Personal Finance
The cost of finance for homebuyers cannot remain at such historically low levels for 'much longer. Picture: PA

Interest rumours tempt borrowers to take fixed-rate plunge

It’s crunch time for borrowers considering taking out a new fixed-rate mortgage deal.

Personal Finance
Boiler repairs can be very expensive

James Walker: Check nuts and bolts of home heating cover

Hard as it is to say goodbye to the summer, I’ve had to admit to myself it’s a bit nippy. I do try to stick to my own advice and pop a jumper on rather that the heating, but the Walker household has rebelled.

Opinion
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